Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.05% | +0.09 | 0.95% |
| Return on Equity (%) | ▲ | 10.97% | +0.37 | 10.60% |
| Net Interest Margin (%) | ▲ | 4.95% | +0.31 | 4.64% |
| Efficiency Ratio (%) | ▼ | 77.71% | +1.74 | 75.97% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.25 | $0 |
| Cost of Funds (%) | ▼ | 1.11% | +0.13 | 0.98% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $153 | +5.95 | $148 |
| Gross Loans ($M) | ▼ | $74 | -4.77 | $79 |
| Loan Growth YoY (%) | ▼ | 52.64% | -4.97 | 57.61% |
| Total Deposits ($M) | ▲ | $138 | +3.54 | $134 |
| Shareholders Equity ($M) | ▲ | $15 | +2.31 | $13 |
| Tang. Book Value ($M) | ▲ | $15 | +2.40 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +2.98 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 52.64% | -4.97 | 57.61% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 3.37% | -0.16 | 3.54% |
| Allowance / Loans (%) | — | 2.54% | 0.20% | 2.33% |
| Net Charge-Off Ratio (%) | ▼ | 0.02% | +0.02 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▅▄▁▃▅█ | Net Interest Margin (%) | 4.89% | 4.92% | 4.70% | 4.64% | 4.39% | 4.53% | 4.70% | 4.95% |
| ██▇▁▁▂▁▃ | Return on Assets (%) | 1.34% | 1.36% | 1.25% | 0.95% | 0.95% | 0.99% | 0.92% | 1.05% |
| ▄▄▁▆▇▇██ | Efficiency Ratio (%) | 73.6% | 73.3% | 68.3% | 76.0% | 76.3% | 76.7% | 78.8% | 77.7% |
| ▅▃▂▆▁▇██ | Cost of Funds (%) | 0.96% | 0.89% | 0.85% | 0.98% | 0.77% | 1.04% | 1.11% | 1.11% |
| ▃▁█▆▄▆▆▆ | NPA / Assets (%) | 1.71% | 0.65% | 4.53% | 3.54% | 2.53% | 3.34% | 3.19% | 3.37% |
| █▄▄▁▁▁▁▁ | Net Charge-Off Ratio (%) | 2.77% | 1.10% | 1.14% | 0.00% | 0.00% | 0.03% | 0.08% | 0.02% |
| ▄▁▃▂▇███ | Tang. Book Value ($M) | $13 | $12 | $13 | $13 | $14 | $15 | $15 | $15 |
| █▆▆▄▆▄▅▁ | Gross Loans ($M) | $85 | $82 | $82 | $79 | $82 | $79 | $80 | $74 |
| ▁▁▁▂█▃▄▃ | Total Deposits ($M) | $118 | $120 | $121 | $134 | $191 | $141 | $148 | $138 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 71% |
| C&I / Commercial | 27% |
| Agricultural | 1% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 6% |